Without obligation; a reply within one working day.
The calculator and the quote form below are in Dutch. Prefer to do this in English? Email info@finassverzekert.nl or call 072 - 509 24 56 and we will take it from there.
Work out your own premium with the calculator.
Enter your details; you will receive a proposal within one working day.
We compare the offerings of several insurers
An adviser checks whether the cover suits your activities
A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.
In brief
Many cards come with a small package of cover: travel and cancellation cover, purchase protection, sometimes the excess on a hire car or accident cover while using public transport. That cover attaches to the card, not to you. If you cancel the card or the issuer changes the conditions, your cover changes with it and you have no say in it.
Two features determine how much practical use it is. First, paying with the card is a condition of cover: anything you settle another way falls outside the policy. Second, the cover is almost always secondary, which means your own travel insurance takes precedence and the card cover at most tops it up.
We do not issue credit cards; you apply for those through your bank or card issuer. We do set your card conditions alongside your own personal insurance to see where you are paying twice and where there is a gap.
The structure of the cover in three parts, with an overview per situation below.
In advance
What you need
What a lender asks for.
Income details
Value of the collateral
Overview of obligations
In addition to the interest
What it costs
What is often forgotten.
Advice and arrangement fees
Valuation and notary
Property transfer tax
Conditions
What goes with it
What the lender requires.
Buildings insurance compulsory
Sometimes term life cover
Interested party on the policy
What is covered
Subject
Explanation
Advice is independent
Yes
We compare several providers
Yes
We arrange credit ourselves
No
Referral to a specialist party
Yes
A first conversation without obligation
Yes
Costs clear in advance
Yes
This overview is general in nature and is not personal advice. What is actually covered, including exclusions, limits and the excess, is set out in the policy conditions and the insurance card (verzekeringskaart) of the insurer; you receive both before you take out cover. Taking out cover without advice? Then read what execution only means for you.
Where things go wrong in practice
Four points that make the difference between a policy that pays out and one that does not.
Paying with the card is the condition, not holding it
Most card cover applies only if the trip or the purchase was actually paid for with that card, often even the full cost of the trip. If you pay the deposit with the card and the rest by bank transfer, there is sometimes no cover. Bookings paid with loyalty points, vouchers or in someone else's name are also excluded.
Secondary cover means your own policy comes first
If you have an annual travel policy, you report the claim there and in practice the card cover adds little. Conversely, it is risky to cancel your own policy: card cover comes with age limits, a maximum trip length, low luggage limits and usually no cover for winter sports, diving or other special activities.
You do not set the conditions and cannot change them
The card issuer is the policyholder under a group contract. You cannot buy extra cover, increase a sum insured or have a clause removed. Changes are made unilaterally. Do report a claim within the stated period: under Article 7:941 of the Dutch Civil Code you must report an event as soon as possible, and reporting late can cost you the payout.
A business card does not cover your employers' liability
If an employee travels on the business card and is injured, you remain liable as employer under Article 7:658 of the Dutch Civil Code and, for road accidents during working hours, under the standard of Article 7:611 of the Dutch Civil Code. The card cover is travel and accident cover and not liability insurance. Loss of business equipment and fraud by an employee are not covered either.
What does your premium depend on?
Number of insured persons on your own travel policy — Travelling alone, as a couple or as a family with children leads to a different premium.
Area of cover — Europe or worldwide; outside Europe the medical costs weigh most heavily.
Continuous or single-trip — If you travel several times a year, annual cover is usually more suitable.
Cancellation cover included or not — Cancellation is a separate module with its own sum insured per person.
Winter sports and special sports — These activities are excluded as standard and must be insured separately.
Luggage limit and excess — Higher limits for luggage, jewellery and equipment increase the premium.
Insurers weigh these details differently. That is why comparing pays off.
How we arrange it
You request a quoteWe take stock of your situation, your risk and your wishes.
We compareseveral insurers, on premium as well as conditions.
You receive a proposalWith an explanation of the differences and the exclusions.
We arrange the switchIncluding cancellation, so there is no gap in cover.
Customers rate our service on four aspects: personal service, service delivery, availability and the outcome. The reviews are collected and published by NH1816 and come from customers who have actually taken out a policy with Finass Advies B.V. or reported a claim.
Does the cover on my credit card replace travel insurance?
Usually not. Card cover is limited in its sums insured, has a maximum trip length and an age limit, and is secondary to your own policy. For short city breaks within Europe it may be enough; for longer trips, travel outside Europe or trips with expensive luggage it almost always falls short. Compare the conditions before you cancel anything.
What if I pay for only part of the trip with the card?
That depends on the conditions. Some issuers require the full cost of the trip to have been paid with the card, others are satisfied with a deposit or part of the amount. If you pay with loyalty points or a voucher, there is usually no cover. Keep the statements: when you claim you have to be able to show payment with that card.
Does a business card cover my liability on a business trip?
No. The card provides at most travel and accident cover for the cardholder. Your liability as employer for injury to an employee runs via Article 7:658 of the Dutch Civil Code and, for road accidents during working hours, via Article 7:611 DCC. That requires business liability insurance, possibly supplemented by employees' motor accident cover.
Can Finass assess my card conditions?
Yes. We request the insurance conditions for your card and set them alongside your own travel, cancellation and contents cover. That shows where you are paying twice and where a gap arises. You apply for the credit card itself through your bank or card issuer; we do not broker that, because it falls outside our licence.
Finass Verzekert is a trading name of Finass Advies B.V. We advise on and arrange non-life insurance on the basis of an objective analysis of several insurers, and receive commission for this from the insurer, which is included in the premium. You pay no separate advice fee. Before you take out cover, we establish your wishes and needs.
You will find our licence, KvK and Kifid details and our complaints procedure at the foot of every page.
